HMDA Dataset Info¶
<class 'pandas.core.frame.DataFrame'> Index: 3533892 entries, 0 to 4456613 Data columns (total 19 columns): # Column Dtype --- ------ ----- 0 race object 1 sex object 2 co_applicant object 3 age object 4 income float64 5 loan_amount int64 6 property_value_ratio float64 7 mortgage_term object 8 debt_to_income_ratio object 9 combined_loan_to_value_ratio float64 10 tract_to_metro_income_percentage object 11 white_population_pct float64 12 metro_name object 13 metro_code object 14 metro_size_percentile object 15 state_code object 16 county_code object 17 census_tract object 18 loan_outcome object dtypes: float64(4), int64(1), object(14) memory usage: 539.2+ MB None
| race | sex | co_applicant | age | income | loan_amount | property_value_ratio | mortgage_term | credit_model | debt_to_income_ratio | combined_loan_to_value_ratio | main_underwriter | tract_to_metro_income_percentage | lender_type | lender_size | white_population_pct | metro_name | metro_code | metro_size_percentile | state_code | county_code | census_tract | loan_outcome | lender_id | fips | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2200445 | Race NA | NA | No co-applicant | 25 through 34 | 57.0 | 135000 | 0.512 | 30 year mortgage | Equifax | Manageable (36-42%) | 89.984 | Desktop Underwriter | Middle (80-120%) | Independent Mortgage Companies | 34041 | 15.642584 | Washington-Arlington-Alexandria, DC-VA-MD-WV | 47894 | 90th percentile | 24 | 033 | 24033800213 | Loan originated (approved) | 213800QUAI2VH5YM6310 | 24033 |
| 1378070 | Race NA | Male | No co-applicant | 25 through 34 | 87.0 | 345000 | 0.989 | 30 year mortgage | Experian | Manageable (36-42%) | 97.000 | Loan Prospector | Middle (80-120%) | Independent Mortgage Companies | 282102 | 81.671185 | Washington-Arlington-Alexandria, DC-VA-MD-WV | 47894 | 90th percentile | 24 | 009 | 24009860401 | Loan originated (approved) | 549300J7XKT2BI5WX213 | 24009 |
| 95096 | White | Male | Co-applicant | 35 through 44 | 149.0 | 525000 | 1.526 | Less than 30 years | TransUnion | Manageable (36-42%) | 80.000 | Not Applicable | Upper (>120%) | Banks | 33699 | 66.019797 | Nashville-Davidson--Murfreesboro--Franklin, TN | 34980 | 80th percentile | 47 | 187 | 47187050208 | Loan originated (approved) | 549300OBO7DOF2KOP535 | 47187 |
Mortgage outcomes in HMDA data¶
Applicant Characteristics¶
What leads to loan denials?¶
Are disparities focused in any geographic areas?¶
Denial rates in the Chicago metropolitan area:¶
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